Search found 854 matches

by iamlucky13
Sun Jun 17, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Best tips for starting a new job
Replies: 19
Views: 1232

Re: Best tips for starting a new job

Be on the look out for any opportunity to serve those below, and above you. This can be just as small as getting lunch during a busy day. I’ve learned just one of these acts can solidify a good reputation. Also, make it a point to make sure all communication isn’t all business. The role of manageme...
by iamlucky13
Fri Jun 15, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 43
Views: 3511

Re: Contractor - Threatening Lien/Lawsuit

I guess I let my prior post sit too long after composing before proof-reading and submitting, since this and several others were submitted meanwhile: -I have looked to see if this person has a license. At first glance, I’m not finding anything for him/his company. -Is a permit generally needed to bu...
by iamlucky13
Fri Jun 15, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 43
Views: 3511

Re: Contractor - Threatening Lien/Lawsuit

I second the question about licensing. If you haven't find out if he is licensed and whether he is required to be. Different states have different departments responsible for the records, but I think most states have online lookup of anyone they license. State laws vary. Work requiring a permit or i...
by iamlucky13
Thu Jun 14, 2018 11:50 pm
Forum: Investing - Theory, News & General
Topic: Schwab's market predictions next 10 years
Replies: 20
Views: 2682

Re: Schwab's market predictions next 10 years

It's a 10 year forecast, which is a much more reasonable thing to attempt than trying to predict the next year. So if the linked Vanguard paper was attempting to make a prediction for 2017, that is something they should stop doing. Not a very firm prediction. Just that inflation would be low, but i...
by iamlucky13
Fri Jun 08, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Masonry Wood-Burning Fireplace Issues
Replies: 25
Views: 1356

Re: Masonry Wood-Burning Fireplace Issues

Ahh...that inspection report makes things a little more clear. What he is describing means a risk of backdrafting pushing smoke and carbon monoxide back into the home, and smouldering combustion that even with good wood could continue to produce significant amounts of creosote plus further compound ...
by iamlucky13
Fri Jun 08, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 59
Views: 5211

Re: Severance Package Question

The follow up is appreciated. It's always good to hear how things work out, and it might be helpful to others in the future. Do make sure you are aware when your response is due to avoid forfeiting the opportunity to accept the severance offer. They could decide not to make concessions but also not ...
by iamlucky13
Thu Jun 07, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Masonry Wood-Burning Fireplace Issues
Replies: 25
Views: 1356

Re: Masonry Wood-Burning Fireplace Issues

The first chimney guy may have been thinking you were asking how often to have it swept if you use it regularly. If nothing else, having the chimney swept and inspected, you have a record that it was done and roughly how often it was used afterwards to inform any bidders in a hypothetical future sal...
by iamlucky13
Thu Jun 07, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 59
Views: 5211

Re: Severance Package Question

Right. Also get earned vacation and file for Unemployment. While this is tangential to the main question, be aware that state-specific unemployment rules may be important in this case. In my state (Washington), the 2 week lump-sum severance payment and the accrued vacation payout would not count as...
by iamlucky13
Thu Jun 07, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3366

Re: Upgrade to SSD for 5-year old desktop?

I'll throw in another comment in favor of upgrading for the OP's scenario and interest. I was pretty surprised this week when my new megacorpo job issued me a laptop with a spinning drive for engineering work. I wouldn't say it's slow, but there's more small hesitations loading programs or cached co...
by iamlucky13
Fri Jun 01, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4266

Re: Travel advice for an engineer

The Duomo in Florence is on my list, too. I've been fascinated reading about that project. Petra Jordan is probably another place I'd really like to visit, as well as Machu Pichu and Angkor Wat. The Pantheon is an obvious must see for any engineer or history buff. Closer to home for US residents, a ...
by iamlucky13
Fri Jun 01, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 45
Views: 2900

Re: Any reasons to not put money down for a Tesla Model 3?

It sounds like you don't have a specific time frame in mind. If you're hoping to get one as soon as possible, you'd want to get the deposit down and accept that some prospective buyers who change their mind have had delays getting their refund. Otherwise, you don't have to put money down now to get ...
by iamlucky13
Tue May 29, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 36
Views: 4114

Re: Quality decline in off-brand alkaline batteries?

If you're using enough batteries to notice differences like this, then in almost all cases, you should probably just use good NiMH rechargeable batteries instead. Anyways, yes, there can be differences. Off-brands of any product are often manufactured under contract by whatever supplier is willing t...
by iamlucky13
Sun May 27, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 31
Views: 2135

Re: 3 days in Boston with an 8 year old

I'm not so sure an 8yo would appreciate the Freedom Trail. It's a lot of walking and looking at old buildings and cemeteries. However, you know your own child--I have a couple of odd ducks, including one who, at age 4, had an incredible crush on George Washington (The number one president and the d...
by iamlucky13
Sat May 26, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Computer RAM Prices
Replies: 11
Views: 1319

Re: Computer RAM Prices

Talking to somebody at Intel recently, crypto mining may be part of it, but it sounds like mainly increasing web server demand is the main factor. The RAM industry already had a cartel broken up quite a while back. What they're doing lately is not direct price fixing, but the fabs have been slowing ...
by iamlucky13
Tue May 22, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6036

Re: How have you upgraded your wardrobe?

I gave up on Kohl's and Penney's when I realized the clothes at Macy's and Nordstrom's usually fit better, were more comfortable, and usually had less variation between samples than the lower end stores. I think I originally tried buying some clothes at Macy's specifically because I was fed up after...
by iamlucky13
Thu May 17, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 33
Views: 2041

Re: Debating whether to rebuild tractor or buy a new zero turn

Interesting, those forbidden brands are exactly the brands that I was looking at. I figured I'd go to Lowes or Home Depot and find something decent for 3k. I guess they don't make mowers like they used to. Keep in mind, the original price of your Power King was probably (I'm guessing here) equivale...
by iamlucky13
Tue May 15, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 33
Views: 2041

Re: Debating whether to rebuild tractor or buy a new zero turn

If towing is potentially a need, why not one of the nicer yard tractors or an entry level garden tractor? You should be able to find agricultural tires for it if you need more traction. I get the maneuverability and visibility advantages of zero turn mowers compared to tractors, but obviously a trac...
by iamlucky13
Sat May 12, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: buying new laptops
Replies: 19
Views: 2121

Re: buying new laptops

I will also second the recommendation for business class laptops. Eg: Dell Latitudes or if you need ultraportable, XPS series, as they will usually have more solidly built chassis and better hardware than comparably spec'd Inspirons. The same for Lenovo Thinkpads and X-series rather than the less ex...
by iamlucky13
Sat May 05, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Buying house from 1977
Replies: 20
Views: 1620

Re: Buying house from 1977

Don't worry. Just do due diligence. There's millions of homes in the US built in that era, most of them in good shape. A good inspector is a worthwhile expense. They should be well-familiar with and on the look out for the sorts of potential issues others are raising. Aluminum wiring was mostly or e...
by iamlucky13
Fri May 04, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 25
Views: 2193

Re: Car rentals, what is the catch?

I haven't heard of the lowest two. I have used Thrifty, which is a budget brand of Hertz. If I remember right, I had one decent experience - I think that was in Boston - and one bad experience. At the LAX Thrifty, the car was ok, but the location was badly understaffed (long waits), and they simply ...
by iamlucky13
Fri May 04, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5243

Re: Home Theater Stereo/Speakers

In my book the goal is: Less clutter, less money, better sound. I would avoid subwoofers. They take up floorspace and add to the cable mess. And they sound artificial adding pounding and sometimes painful boom. Your experience is probably, like mine was when I initially decided to forego a sub in m...
by iamlucky13
Tue May 01, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5243

Re: Home Theater Stereo/Speakers

^^^ is good advice. Random thoughts: 5.1 > 3.1 > soundbar + sub > internal speaker(s) I'd encourage everyone to at least try for a decent 3.1 system -- the center-channel speaker makes a huge difference. I've seen a lot of discussion about this in the dedicated audio forums. I haven't talked myself...
by iamlucky13
Mon Apr 30, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5243

Re: Home Theater Stereo/Speakers

Cheaping out on A/V receivers and projectors is usually fine since the technology always seems to be changing. I have a 8 year old $1,500 Denon A/V receiver that gets killed by a $300 Sony receiver that I bought last year. Killed in terms of output or in terms of connection options? From what I've ...
by iamlucky13
Sun Apr 29, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Sink Hole in Yard
Replies: 16
Views: 3204

Re: Sink Hole in Yard

Kywildcat, I got similar issue in my yard. Could you share the experience about how the issue was fixed? When reviving an old thread like this, there's good odds the original poster might not notice, especially users with a low post count. Checking their profile, it appears Kywildcat hasn't been on...
by iamlucky13
Sat Apr 28, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5243

Re: Home Theater Stereo/Speakers

Speakers seem to me to be tough to make recommendations for, because it's difficult to know what different users's expectations are. Those Sony's are no doubt pretty decent, and I expect will not only far overpower any similarly priced sound bar (in addition to the simple fact that discrete speakers...
by iamlucky13
Fri Apr 27, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 6616

Re: White Coat Investor Interviews Paul Merriman

And at the end of my life I hope to have educated a million young people about the importance of equity asset class selection, asset allocation between those equity asset classes, as well as bond funds and the ability to find the funds that will maximize the likelihood of success over their lifetim...
by iamlucky13
Fri Apr 27, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.60 [Money Market Rate To 1.60% APY]
Replies: 40
Views: 3345

Re: Capital One now at 1.60

If you don't touch these savings much and can sacrifice a little simplicity and ultra-short liquidity, depending on your state tax rate, the tax equivalent yield on 3 month T bills is around 2% now. Purepoint savings is 1.75% The whole point of having something like the Capital One 360 account is t...
by iamlucky13
Fri Apr 27, 2018 1:54 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11106

Re: Amazon to raise Prime membership in US to $119 from $99

Which just reminds me once again that Amazon often is not the best deal. Mainly because I want to spread my shopping around a bit to preserve competition, I just checked Bed Bath and Beyond's website for a gift I was planning to get for my wife. It was a couple bucks cheaper than Amazon, and also in...
by iamlucky13
Mon Apr 23, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5684

Re: How long have you been unemployed?

Mid-30's. 13 months starting at the end of 2008. That was not a good time to be an entry level worker on a limited term contract. I had interviews just frequently enough, and my savings and the unemployment compensation extensions were just comfortable enough to keep me from searching for work outsi...
by iamlucky13
Sat Apr 21, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Newborn- essential financial steps
Replies: 20
Views: 2027

Re: Newborn- essential financial steps

Some recommend a credit freeze, since your newborn shouldn't need credit inquiries for quite a few years, but there is a chance of their identifying information being compromised (eg - Premera data breach).
by iamlucky13
Fri Apr 20, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11955

Re: We crush stock indexes, Yale claims

"For the 20-year period ending June 30, Yale's endowment earned a 12.1 percent annualized return, beating its benchmark Wilshire 5000 stock index, which gained 7.5 percent." What? How can a fund with 5% US stocks have that as it's benchmark? It is really comparing apples and orangutans. I've been t...
by iamlucky13
Tue Apr 17, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5057

Re: PC laptops

I love the Bogleheads. OP asks for a PC, clearly meaning a windows computer, and gets 5 suggestions for a Chromebook and one nomenclature correction. Did they mean that? He or she never said Windows. They only indicated they didn't want a Mac, and they were looking to spend around $300. While admit...
by iamlucky13
Tue Apr 17, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5993

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

I'm a pilot, and wouldn't board any MD plane in service, and certainly not Allegiant. That manufacture isn't around anymore to take care of the planes. Rode on MD to St Louis a decade or longer ago, and the noise, metal pops, and gear noise was the loudest I've ever heard. Decided then that I would...
by iamlucky13
Tue Apr 17, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5057

Re: PC laptops

Minor nomenclature nitpick here:

PC is a general term for "personal computer."

Your iMac is a PC, despite the way an old ad series suggested otherwise.
by iamlucky13
Mon Apr 16, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11955

Re: We crush stock indexes, Yale claims

For the 20-year period ending June 30, Yale's endowment earned a 12.1 percent annualized return, beating its benchmark Wilshire 5000 stock index, which gained 7.5 percent. A passive portfolio with a 60 percent stock allocation and 40 percent in bonds, meanwhile, had a 20-year return of 6.9 percent....
by iamlucky13
Mon Apr 16, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5993

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

but the entire maintenance program at Allegiant seems to be begging for a comprehensive review and some fixes. Even their pilots complain about management pressure to not write up maintenance issues with their assigned aircraft. Not good! 60 Minutes points out that the CEO of Allegiant is the forme...
by iamlucky13
Sun Apr 15, 2018 2:03 am
Forum: Personal Consumer Issues
Topic: Mini Air Compressor
Replies: 22
Views: 1644

Re: Mini Air Compressor

The Home Depot in our area will honor 20% off coupons from Harbor Freight. I've done this multiple times - Ridgid table saw, chainsaw, palm sander, mower, Ridgid 6gal pancake compressor. All in I've saved probably close to $400-$500 doing this. Wow. I bet corporate would throw a fit if they realize...
by iamlucky13
Thu Apr 12, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Mini Air Compressor
Replies: 22
Views: 1644

Re: Mini Air Compressor

my favorite air compressor is the Makita MAC2400. It's portable and is much quieter than other compressors. It's also not a POS and can grow to fit many pneumatic tools. It's like $300 but you can pretty much use that instead of much much larger compressors. 4.2CFM @ 90 psi for such a small compres...
by iamlucky13
Thu Apr 12, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 10697

Re: Mid-40s in tech - how to pass off as acceptably young

It's the company, not me: That's possible. I feel strongly that I can do the job (at this and similar companies). This is good that you are finding jobs you know you can do. Keep in mind also that there's others competing for the same work, probable including some of your current coworkers, conside...
by iamlucky13
Wed Apr 11, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Mini Air Compressor
Replies: 22
Views: 1644

Re: Mini Air Compressor

I went with the Bostitch 6 gallon model after borrowing one from a friend to do the first pieces of trim in my house and being happy with it. I didn't have any clear reasons to choose it over the less expensive Porter Cable, aside from Bostitch has a decent reputation for their nailers, and I was ge...
by iamlucky13
Thu Apr 05, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: What's my income? (for credit card application)
Replies: 7
Views: 1372

Re: What's my income? (for credit card application)

I don't care about maximizing my credit limit, so the few times I've applied for a card, I low-ball it so there can never be any complaints. In my case, that means stating my base pay, even though there's bonuses and investment income. In your case then, my suggestion is $40,000.
by iamlucky13
Sun Apr 01, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k to Vanguard IRA Rollover Question
Replies: 1
Views: 238

Vanguard 401k to Vanguard IRA Rollover Question

I have a 401k from a former employer managed by Vanguard. It has a $16/quarter fee, a good reason to rollover. I also have an IRA brokerage account with Vanguard, so I have an easy place to rollover to. Interestingly, the 401k also has access to Vanguard Primecap, a closed fund. This is an active fu...
by iamlucky13
Fri Mar 30, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: HOA Sprinkler Burst: $25,000 fix
Replies: 29
Views: 2812

Re: HOA Sprinkler Burst: $25,000 fix

My first thought reading the first post was heat tape. Since it apparently was not previously suggested, I suppose you should see if there was a reason for that. Even without the heat tape, improvements to insulation seem worth investigating. Antifreeze is not mildly toxic to animals. It's deadly. I...
by iamlucky13
Thu Mar 29, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: LG 75" vs OLED 65" TV or Wait?
Replies: 44
Views: 4329

Re: LG 75" vs OLED 65" TV or Wait?

I have a 1080p 60" Sony that is still excellent. Wait. You've not indicated any perceived drawbacks about your current TV - size, resolution, colors, etc. It sounds to me like you might have a mild case of upgraditis. My recommended treatment is watch a good movie, and then when it's done, ask your...
by iamlucky13
Thu Mar 29, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?
Replies: 26
Views: 1856

Re: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?

It could be a case where averages are deceiving, and outliers matter. Have you had a lot more really cold days and really warm days this year? The energy efficiency as the temperature drops is not linear. With gas heat, it will be fairly close to linear, while heat pumps are really significantly af...
by iamlucky13
Wed Mar 28, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86610

Re: To take or not to take delivery of Tesla 3

I've been skeptical of the wild expectations for Tesla for years, and been expecting the Model 3 to face major delays, quality issues, and especially financial concerns. But a week of mixed news for the company, and suddenly it seems like the views of Tesla have changed so much that I feel like a ch...
by iamlucky13
Wed Mar 28, 2018 2:47 am
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 94
Views: 11651

Re: HOA vs No-HOA

Most people that complain about HOA are saying things like, I was told to fix my fence or I could not paint may shutters pink or I left my garbage cans out for a week, I was on vacation, or I let a tree die and now I am in trouble or ..... Most people just plain do not want to live by rules and the...
by iamlucky13
Tue Mar 27, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 9454

Re: Not going to be buying chicken for a while...

I've seen a little bit of what I suppose is the striping described in Costco's frozen chicken breasts. I can't say I've noticed it in the unfrozen breasts from the grocery store. The Costco examples are clearly not the most tender chicken breasts ever, but I never expected them to be at that price a...
by iamlucky13
Tue Mar 27, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Any hand written letter services out there that write and mail on your behalf?
Replies: 25
Views: 2457

Re: Any hand written letter services out there that write and mail on your behalf?

Few things more personal or encouraging than receiving a thoughtful note written in cursive. Recently reading some of my grandfather's letters to and from his family, I suppose our own generation will barely even grasp how much they will lose when we pass, and have nothing similar to leave. They're...
by iamlucky13
Tue Mar 27, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Any hand written letter services out there that write and mail on your behalf?
Replies: 25
Views: 2457

Re: Any hand written letter services out there that write and mail on your behalf?

How frequently are you doing this? I get the sense you've already spent more time looking for the service than the time saved typing versus writing several letters yourself.